No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $156.6M | $130.3M | $88.1M | $15.5M | $768K | 1.01% | 3.62% | 0.05% |
| Q1 2026 | $151.9M | $126.0M | $85.3M | $15.1M | $388K | 1.03% | 3.66% | 0.05% |
| Q4 2025 | $149.4M | $122.9M | $90.8M | $15.7M | $1.6M | 1.11% | 3.87% | 0.08% |
| Q3 2025 | $140.1M | $111.3M | $87.8M | $14.9M | $1.1M | 1.10% | 3.69% | 0.09% |
| Q2 2025 | $135.1M | $110.1M | $85.4M | $14.2M | $739K | 1.08% | 3.66% | 0.10% |
| Q1 2025 | $137.1M | $112.8M | $83.5M | $13.5M | $310K | 0.90% | 3.52% | 0.28% |
| Q4 2024 | $139.4M | $106.3M | $85.7M | $12.7M | $979K | 0.73% | 3.27% | 0.28% |
| Q3 2024 | $134.1M | $107.3M | $86.3M | $13.0M | $676K | 0.68% | 3.29% | 0.26% |
Loan mix (Q2 2026): real estate $67.4M · commercial $5.1M · consumer $3.3M · securities $42.3M
| Ratio | Philo Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 62.9% | 72th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Philo Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Philo Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Philo Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Philo Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.